Card Not Present (CNP) Payments
Accept payments online, remotely, and by phone — four methods to suit every scenario
Card Not Present (CNP) means the customer's physical card is not used in person. Instead, card details are provided remotely — online, via a payment link, on an invoice, or over the phone. CNP covers everything from your eCommerce website checkout through to a quick phone order taken at your counter.
TWPayz offers four CNP methods. All are managed through the Merchant Backoffice (web) and most are also available in the TWPayz Merchant App (iOS & Android).
Payment Link
Generate a secure, one-off payment URL in seconds. Share by WhatsApp, SMS, email, or any channel. Customer pays on a hosted page.
Available on: Web Backoffice + Merchant App
Invoicing
Professional itemised invoices with line items, VAT calculation, and a built-in payment link. PDF auto-generated.
Available on: Web Backoffice + Merchant App
MOTO / Virtual Terminal
Enter card details on behalf of a customer for telephone and mail order payments. No card reader needed.
Available on: Web Backoffice + Merchant App — permission required
eCommerce Checkout
Hosted checkout page embedded in your website. Customer pays online; redirected back to your site on completion.
Available on: Web integration — requires developer setup
Which Method Should I Use?
| Scenario | Use this method |
|---|---|
| Customer is paying remotely and I want to send them a link quickly | Pay by Link |
| I need to send a professional invoice with line items and VAT | Invoice |
| Customer is on the phone and giving me their card details verbally | Virtual Terminal / MOTO |
| I have a website and want customers to pay during checkout | Online Checkout (developer integration) |
| I need to set up automatic repeat billing for a regular client | Invoice — Recurring (Merchant App) |
| I want to show a QR code at my counter so customers can scan and pay | Pay by Link — QR code option |